First State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (Tier 1 capital + allowance) climbed 4.41 percentage points in Q2 2026, from 21.70% to 26.11%. It was the largest change from Q1 2026 among the key lines here. First State Bank ranks 73rd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 90.38% (Q2 2026). First State Bank reported 90.38% on loan-to-deposit ratio for Q2 2026, 23.05 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $55.8M |
| Net loans and leases | $55.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.96% |
| Loan-to-deposit ratio | 90.38% |
| Net loans to equity capital | 7.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.93% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.09% |
| Consumer | 3.57% |
| Credit cards | 0.00% |
| Farm | 10.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.62% |
| Construction concentration (Tier 1 capital + allowance) | 26.11% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.39% |
| Interest income on loans | $893K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $45.7M | $50.3M | 1.87% | 14.87% | 5.26% |
| Q4 2023 | $46.9M | $52.3M | 1.78% | 13.80% | 5.39% |
| Q1 2024 | $47.6M | $54.2M | 1.74% | 14.93% | 4.71% |
| Q2 2024 | $49.7M | $54.1M | 4.13% | 16.42% | 4.39% |
| Q3 2024 | $51.6M | $55.6M | 5.72% | 15.39% | 4.38% |
| Q4 2024 | $49.5M | $58.2M | 1.68% | 14.60% | 4.21% |
| Q1 2025 | $53.1M | $56.8M | 2.60% | 13.77% | 4.19% |
| Q2 2025 | $51.2M | $56.9M | 2.99% | 14.39% | 4.29% |
| Q3 2025 | $51.8M | $54.2M | 2.94% | 14.32% | 4.07% |
| Q4 2025 | $55.0M | $57.4M | 2.97% | 14.07% | 3.72% |
| Q1 2026 | $55.3M | $61.4M | 3.20% | 12.36% | 3.49% |
| Q2 2026 | $55.8M | $61.7M | 2.93% | 13.09% | 3.57% |
First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57910) · FFIEC NIC profile (RSSD 3285246)